BlastPoint's Banking Scorecard

Community Bank of the South

$100M-$1B Specialty: Other FL FDIC cert 35212

Merritt Island, FL

3 branches across FL

NEW · Q2 2026 RECAP

Your Quarter, Wrapped

A 35-second highlight reel of your Q2 — the wins worth celebrating and the one signal worth watching, pulled straight from your scorecard data.

Q2 2026 at a glance

1 of 2,643 banks in the $100M-$1B peer group nationwide — 1 of 44 in FL.
Deposits +1.9% year over year ($242.8M on the books).
Delinquency rate 0.00%.
Return on assets 0.85%.
Efficiency ratio 60.11% vs a 64.48% peer average.
Loan-to-deposit ratio 31.90% vs a 77.95% peer average.

Animation disabled (reduced-motion preference). Full details in the Core Metrics table below.

2643 banks in the $100M-$1B peer group nationally 44 in FL

View $100M-$1B leaderboard (FL) →

Community Bank of the South has 3 strengths but faces 3 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Credit Quality Leader: Top 44.8% in tier
+ Nonperforming Asset Ratio 0.67% below tier average
+ Efficiency Ratio 4.37% below tier average

Key Concerns

Areas that may need attention

- Flatlined Growth: Bottom 41.2% in tier
- Net Interest Margin 0.99% below tier average
- ROA 0.47% below tier average

Get updates when Community Bank of the South releases new data →

Core Metrics

As of 2026-Q2

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Total Assets ?	$266.5M +1.6% YoY +5.5% QoQ	-$120.1M	$386.6M +1.2% YoY	$4.3B +7.0% YoY	$6.3B +7.7% YoY	40%
Total Loans ?	$77.5M +13.5% YoY +4.2% QoQ	-$180.9M	$258.3M +1.7% YoY	$3.0B +8.2% YoY	$3.2B +9.4% YoY	Bottom 9.4% in tier
Total Deposits ?	$242.8M +1.9% YoY +6.1% QoQ	-$83.9M	$326.7M +0.7% YoY	$3.5B +7.0% YoY	$4.9B +7.3% YoY	43%
Return on Assets ?	0.85% -3.8% YoY +9.7% QoQ	-0.47%	1.32% +10.8% YoY	0.62% -8.3% YoY	1.30% +12.1% YoY	26%
Net Interest Margin ?	2.99% +5.9% YoY +2.3% QoQ	-0.99%	3.99% +5.0% YoY	3.70% +0.5% YoY	3.95% +4.9% YoY	Bottom 9.7% in tier
Efficiency Ratio ?	60.11% +3.8% YoY -0.0% QoQ	-4.37%	64.48% -3.2% YoY	199.20% +161.3% YoY	70.05% +2.5% YoY	57%
Delinquency Rate ?	0.00%	-0.92%	0.92% +15.7% YoY	0.61% -2.0% YoY	0.98% +16.3% YoY	Top 0.1% in tier
Loan-to-Deposit Ratio ?	31.90% +11.4% YoY -1.7% QoQ	-46.06%	77.95% +1.0% YoY	72.91% -1.7% YoY	79.03% +2.3% YoY	Top 2.0% in tier
Non-Interest-Bearing Deposit Share ?	24.91% -7.0% YoY +2.2% QoQ	+2.88%	22.03% -0.6% YoY	27.35% -2.5% YoY	21.98% -0.6% YoY	66%
Nonperforming Asset Ratio ?	0.00%	-0.67%	0.67% +16.4% YoY	0.42% -2.6% YoY	0.69% +15.8% YoY	Top 0.1% in tier
Tier 1 Capital Ratio ?	21.73% -6.3% YoY -4.2% QoQ	+5.82%	15.91% +1.4% YoY	19.50% +8.2% YoY	17.09% +0.8% YoY	Top 10.9% in tier
Non-Interest Income / Assets ?	0.08% -12.1% YoY +84.0% QoQ	-0.49%	0.57% +7.6% YoY	1.02% +6.4% YoY	0.66% +5.2% YoY	Bottom 11.2% in tier

Additional Detail

Deposit mix, loan mix, capital, efficiency, asset quality & profitability · As of 2026-Q2

Deposit Composition

% of total deposits

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Noninterest-Bearing	24.9% -1.9pp YoY +0.5pp QoQ	+2.8pp	22.1%	27.7%	22.2%	65%
Brokered Deposits	n/a	n/a	7.9%	8.7%	8.5%	n/a

Loan Composition

% of total loans & leases

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
C&I	11.2% +6.6pp YoY +3.7pp QoQ	-0.3pp	11.6%	12.9%	12.5%	60%
CRE	n/a	n/a	39.5%	50.6%	41.4%	n/a
1-4 Family	22.6% +2.1pp YoY -1.0pp QoQ	-10.0pp	32.6%	30.7%	31.3%	36%
Consumer	2.6% -0.9pp YoY -0.1pp QoQ	-1.5pp	4.1%	3.7%	5.0%	55%

Capital

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
CET1 Ratio	21.7% -1.4pp YoY -0.9pp QoQ	+2.9pp	18.8%	19.8%	19.7%	82%
Leverage Ratio	9.5% -0.2pp YoY +0.2pp QoQ	-2.7pp	12.2%	13.9%	12.6%	21%
Total Capital Ratio	22.7% -1.4pp YoY -1.0pp QoQ	+2.8pp	19.9%	21.1%	20.8%	82%

Efficiency & Staffing

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Full-Time Employees	23 +4 (+21.1%) YoY +2 (+9.5%) QoQ	-36	58	295	482	15%
Assets per Employee ($)	$11.6M -16.1% YoY -3.6% QoQ	+$4.1M	$7.5M	$10.3M	$8.8M	92%
Branch Count	3 0 YoY 0 QoQ	-2	4	13	18	26%

Asset Quality

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
Past Due 90+ Days	n/a	n/a	0.3%	0.3%	0.4%	n/a
Nonaccrual	n/a	n/a	0.9%	0.7%	1.0%	n/a
Allowance Coverage	n/a	n/a	24.15x	16.62x	20.23x	n/a
Net Charge-off Rate (YTD)	n/a	n/a	0.1%	0.2%	0.2%	n/a

Profitability

Metric	Current	vs Tier	Tier Avg	State Avg (FL)	National Avg	Tier Percentile
ROE	10.6% -1.5pp YoY +1.2pp QoQ	-1.6pp	12.2%	9.3%	11.6%	40%
Cost of Funds (YTD)	1.3% -0.4pp YoY 0.0pp QoQ	-0.4pp	1.7%	1.8%	1.7%	26%
Net Income ($, YTD)	$1.1M -6.1% YoY — QoQ	-$1.5M	$2.6M	$25.2M	$40.4M	30%

Get Full Access to Community Bank of the South

Unlock complete metrics, peer benchmarks, and signature insights for this and every other FDIC-insured bank - always free

$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

Want to see an example first? Preview JPMorgan Chase's scorecard →

Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (1)

Credit Quality Leader

growth

#296 of 659 • Top 44.8% in tier

Best-in-class credit quality (delinquency in bottom 25% of peer group). Conservative underwriting paying off.

Why this signature

Delinquency Rate: 0.00%

(Tier: 0.92%, National: 0.98%)

better than tier avg

659 of 659 Community banks match · 920 nationally

→ Stable +1 banks QoQ | QoQ rank improving

Concerns (1)

Flatlined Growth

risk

#219 of 529 • Bottom 41.2% in tier

Asset growth stalled (-2% to +2% YoY) despite healthy profitability (>0.25% ROA). Suggests untapped opportunity or strategic drift worth investigating.

Why this signature

Return on Assets: 0.85%

(Tier: 1.32%, National: 1.30%)

worse than tier avg

529 of 529 Community banks match · 719 nationally

→ Stable +34 banks QoQ

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 2643 peers in $100M-$1B

Top Strengths (4 metrics)

Delinquency Rate

credit_quality

Value: 0.00%

Peer Median: 0.92%

#1 of 2633 Top 0.1% in $100M-$1B

Nonperforming Asset Ratio

credit_quality

Value: 0.00%

Peer Median: 0.67%

#1 of 2643 Top 0.1% in $100M-$1B

Loan-to-Deposit Ratio

liquidity

Value: 31.90%

Peer Median: 77.95%

#53 of 2643 Top 2.0% in $100M-$1B

289

Tier 1 Capital Ratio

capital

Value: 21.73%

Peer Median: 15.91%

#289 of 2643 Top 10.9% in $100M-$1B

Top Weaknesses (3 metrics)

2396

Total Loans

size

Value: $77.45M

Peer Median: $258.35M

#2396 of 2643 Bottom 9.4% in $100M-$1B

2388

Net Interest Margin

profitability

Value: 2.99%

Peer Median: 3.99%

#2388 of 2643 Bottom 9.7% in $100M-$1B

2348

Non-Interest Income / Assets

revenue_mix

Value: 0.08%

Peer Median: 0.57%

#2348 of 2643 Bottom 11.2% in $100M-$1B